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When further labeling payment transactions into P2P, B2B, P2B, B2P, and Internal B transactions using Artemis labeling data in section 3.2, we find that P2P payments represent only a 23.7% (11.3%) share of total payments (all raw data). Previous studies have pointed out that stablecoin payments contribute around 25% for P2P payments, and we obtain similar results. Finally, in section 3.3 we observed that in terms of volume, the majority of stablecoin transactions is centralized by the top 1,000 wallets. This opens an interesting question: is stablecoin usage developing as a vehicle for payments run by intermediaries and big firms, or as a P2P transaction settlement, which time will tell.
From: Artemis.
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